Consumers can now freeze their credit for free under a new federal law.

“A credit freeze restricts access to your credit file, essentially halting anyone from opening any new credit in your name. The rules used to vary by state, but previously it could cost up to $10 to put a freeze in place. That fee often had to be paid again when someone wanted to unfreeze it for any legitimate uses.

“But under a new law that takes effect Friday, consumers anywhere in the U.S. can do so quickly and for free.

“Congress passed the law in response to last year’s massive Equifax hack, which exposed the private information of more than 145 million Americans.”

“Far too many people make bad choices when it comes to retirement. It’s the equivalent of choosing candy bars over the solid meal…

“How can we make better decisions for retirement planning? One principle is the knowledge that increasing saving over time will build a bigger nest egg. Here are three key moves that can lead to a better outcome”:

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